KeyBank in Oregon vs the state
26.5%Denial rate+11.23 pts vs state
31.4%Decision denial rate+12.22 pts vs state
56.7%Origination rate-3.93 pts vs state
6.88%Median rate+0.13 pts vs state
0.30Rate spread (pts)+0.02 pts vs state
$116kMedian applicant income
470Loans originated
220Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,250 | 687 | 29.0% | 7.50% | #24 |
| 2024 | 775 | 386 | 31.5% | 6.88% | #49 |
| 2025 | 829 | 470 | 26.5% | 6.88% | #51 |
What KeyBank lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most KeyBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 155 | 89 | 38 | 24.5% |
| Multnomah County | 135 | 75 | 35 | 25.9% |
| Clackamas County | 115 | 68 | 26 | 22.6% |
| Marion County | 102 | 59 | 26 | 25.5% |
| Linn County | 79 | 45 | 27 | 34.2% |
| Lane County | 73 | 36 | 23 | 31.5% |
| Yamhill County | 31 | 21 | 9 | 29.0% |
| Jackson County | 25 | 15 | 8 | 32.0% |
| Benton County | 21 | 13 | 4 | 19.0% |
| Polk County | 15 | 4 | 6 | 40.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 829 applications in 2025, of which 470 were originated and 220 denied.
26.5% of all applications, or 31.4% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans KeyBank originated in Oregon in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are KeyBank's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology